Onwinds turns trust into proof and makes every balance, event, and decision auditable by default.

Our mission

Enable finance to run at internet speed — safely — with real‑time, provable ledgering for banks, wealth platforms, and fintech builders.

What we build

A modern core ledger and platform:

• AI‑native by design: agents and models can reason over traceable events with explainability built‑in.
• Zero‑batch, real time: every mutation is processed as it happens; no fragile end‑of‑day jobs.
• Verifiable state: deterministic, double‑entry event streams with machine‑checkable audit trails.
• Global & multi‑currency: UTC‑true timekeeping, FX‑aware, cross‑border ready.
• Developer‑first: clean APIs, webhooks, SDKs to ship fast—safely.

Why it matters (now)

Batch jobs and opaque ledgers slow teams and hide risk. Onwinds brings continuous finality, provable integrity, and instant observability—so you launch faster, automate more, and trust the numbers.

How it works (at a glance)

• Event‑sourced, double‑entry ledger with strong invariants and replayable history.
• Accrue‑on‑Mutation + Lazy‑on‑Read interest/fee model for zero‑batch precision at scale.
• Thresholded apply to keep micro‑amounts correct without noisy postings.
• UTC‑strict time and global multi‑currency as first‑class citizens.
• Explainable traces for every decision, ready for internal audit and regulators.

For engineers: streams and query surfaces make verification and analytics trivial, while staying cloud‑portable and on‑prem friendly.

Principles

• Provable over promised — outcomes are traceable and testable.
• Zero‑batch by default — no nightly jobs.
• Open & portable — standards‑forward and cloud‑agnostic.
• Security & privacy first — least‑privilege and audit‑ready.
• Developer ergonomics — great APIs with built‑in guardrails.

Who we serve

• Banks & wealth managers modernizing core ledgering without a risky rip‑and‑replace.
• Fintechs & platforms embedding accounts, payments, and yield into their products.
• Funds & finance ops running precise, real‑time books across entities and currencies.

Built for governance

Regulatory‑grade assurance (auditability, lineage, explainability) and European‑grade privacy. Segregation, residency, and access are first‑class.

The short version

Onwinds is the AI‑native ledger for real‑time, provable finance. Zero‑batch, verifiable, global.